As you get older, you begin to change the way you perform basic tasks to maintain your independence. One task of daily living that you may be struggling with is getting into the shower or tub. If you are considering a walk-in, there are some things you need to know before committing to the purchase. Having a device to assist you can prevent falls, and a walk-in tub may seem like your preferred option. The question is, how much will this feature cost to add to your home, and will Medicare cover any of the expenses?
Your Medicare coverage may pay for durable medical equipment, but walk-ins are typically not covered. That's because walk-in bathtubs are considered a convenience, and not medically necessary. There are similar options that Medicare may cover, like shower lifts or chairs. If your mind is really set on it, you may have to pay quite a bit for the luxury.
Walk-in tubs reduce the risk of falls because they do not require you to step up as high as a traditional bath or shower. There are several sizes and styles available, and the cost of a walk-in bathtub varies depending on the model you choose. Before you commit to the purchase, know that your walk-in tub can cost up to $15,000.
There are models that run as low as $2,000, but even that is a significant investment. Some manufacturers offer free installation. If not, then you will be responsible for the price of installation. You should also consider if there will be any other remodeling expenses.
Redesigning your bathroom to accommodate a tub can get expensive. Choosing to install a walk-in into your home can be an expensive investment. You may consider getting financial assistance and there are a few options available.
If you receive Medicare and Medicaid coverage, you may be able to get your tub covered through the Medicaid coverage. Another option is [choosing financing(http://www.payingforseniorcare.com/financial-assistance/walk-in-bathtubs-medicare.html#title1), which may be offered by the manufacturer. If this is something you are interested in, do your research and find one that will offer you a good quality product and low-interest rate.
You can also look for resources like the Rural Housing and Community Facilities Program, AARP, or the National Home Modification Action Coalition. These organizations and programs may offer grants or low-interest loans to assist with the cost of your walk-in bathtub.
Your walk-in bathtub may qualify as tax deductible. First, you will need a doctor’s prescription, along with medical documentation of your condition. Once you collect both, you can file for a tax deduction. Home modifications costs are tax deductible if they are for medical purposes. The modifications must be for more than just a general health benefit.
There are several bathtub manufacturers in the United States. As with anything you should compare quality and prices before making a decision. These are just a few of the manufacturers available:
As you get older, you begin to change the way you perform basic tasks to maintain your quality of life. No one wants to struggle to get into the shower or tub. If you are considering a walk-in, determine the benefits and cost before committing to the purchase.
Having a device to assist you can prevent falls, and a walk-in may seem like your preferred option. However, there are other medical devices available and covered by your insurance, that won't break the budget. The question you should ask is, will this tub be worth the out-of-pocket costs, and will you benefit from it?
